[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/co-je-to-kontokorent-2\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/co-je-to-kontokorent-2\/","headline":"Co je to kontokorent?","name":"Co je to kontokorent?","description":"S\u00a0n\u00e1zvem kontokorent se m\u016f\u017eete setkat kdykoliv v\u00a0b\u011b\u017en\u00e9m \u017eivot\u011b. Mnoho z\u00a0n\u00e1s dokonce tuto slu\u017ebu vyu\u017e\u00edv\u00e1, ani\u017e bychom zrovna v\u011bd\u011bli, \u017ee se takto naz\u00fdv\u00e1. Kontokorent si v\u011bt\u0161inou z\u0159izujeme s\u00a0b\u011b\u017en\u00fdm \u00fa\u010dtem, jedn\u00e1 se o jakousi slu\u017ebu nebo mo\u017enost, j\u00edt na \u00fa\u010dtu do m\u00ednusu. Bez b\u011b\u017en\u00e9ho \u00fa\u010dtu si v\u00a0dne\u0161n\u00ed dob\u011b neum\u00edme \u017eivot ani p\u0159edstavit, pot\u0159ebuje ho z\u0159ejm\u011b ka\u017ed\u00fd z\u00a0n\u00e1s. &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/co-je-to-kontokorent-2\/\"> <span class=\"screen-reader-text\">Co je to kontokorent?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-17","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384196_4x3_20260824_002704_FYj35m.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384196_4x3_20260824_002704_FYj35m.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/co-je-to-kontokorent-2\/","about":["P\u016fj\u010dky"],"wordCount":451,"articleBody":"S\u00a0n\u00e1zvem kontokorent se m\u016f\u017eete setkat kdykoliv v\u00a0b\u011b\u017en\u00e9m \u017eivot\u011b. Mnoho z\u00a0n\u00e1s dokonce tuto slu\u017ebu vyu\u017e\u00edv\u00e1, ani\u017e bychom zrovna v\u011bd\u011bli, \u017ee se takto naz\u00fdv\u00e1. Kontokorent si v\u011bt\u0161inou z\u0159izujeme s\u00a0b\u011b\u017en\u00fdm \u00fa\u010dtem, jedn\u00e1 se o jakousi slu\u017ebu nebo mo\u017enost, j\u00edt na \u00fa\u010dtu do m\u00ednusu. Bez b\u011b\u017en\u00e9ho \u00fa\u010dtu si v\u00a0dne\u0161n\u00ed dob\u011b neum\u00edme \u017eivot ani p\u0159edstavit, pot\u0159ebuje ho z\u0159ejm\u011b ka\u017ed\u00fd z\u00a0n\u00e1s. Na \u00fa\u010det v\u011bt\u0161in\u011b obyvatel chod\u00ed ka\u017ed\u00fd m\u011bs\u00edc v\u00fdplata a odch\u00e1z\u00ed b\u011b\u017en\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky a \u010d\u00e1stky, se kter\u00fdmi plat\u00edme v\u00fddaje na bydlen\u00ed, SIPO, p\u016fj\u010dky, poji\u0161t\u011bn\u00ed, pau\u0161\u00e1ly a dal\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed platby. Je zde ale re\u00e1ln\u00e1 mo\u017enost, \u017ee se m\u016f\u017eeme dostat na sv\u00e9m \u00fa\u010dtu na nulu. Jestli\u017ee jsme na nule, a je\u0161t\u011b st\u00e1le pot\u0159ebujeme n\u011bjak\u00e9 platby prov\u00e9st, m\u016f\u017eeme vyu\u017e\u00edt pr\u00e1v\u011b p\u0159edem schv\u00e1len\u00e9ho a z\u0159\u00edzen\u00e9ho kontokorentu. Ten se z\u0159izuje nap\u0159\u00edklad na za\u010d\u00e1tku b\u011b\u017en\u00e9ho \u00fa\u010dtu nebo dodate\u010dn\u011b. Dop\u0159edu se schv\u00e1l\u00ed \u010d\u00e1stka a ostatn\u00ed podm\u00ednky jako doba splatnosti, do kdy m\u016f\u017eeme tuto kr\u00e1tkodobou p\u016fj\u010dku vyu\u017e\u00edt. V\u011bt\u0161inou se mus\u00ed splatit do jednoho roku. Jedn\u00e1 se tedy o to, \u017ee m\u016f\u017eeme j\u00edt na \u00fa\u010dtu do m\u00ednusu. Tuto situaci m\u016f\u017eeme ozna\u010dit za jakousi p\u016fj\u010dku. Pen\u00edze ale m\u016f\u017eeme splatit kdykoliv, a to, jakmile je vlo\u017e\u00edme na \u00fa\u010det a jsme op\u011bt v\u00a0plusu, tedy m\u00e1me na bankovn\u00edm \u00fa\u010dtu kladn\u00fd z\u016fstatek v\u00a0jak\u00e9koliv hodnot\u011b.\tNa \u00fa\u010dtu kdykoliv do m\u00ednusuNa \u00fa\u010dtu m\u016f\u017eete j\u00edt t\u00edmto zp\u016fsobem do m\u00ednusu kdykoliv, kdy\u017e pot\u0159ebujete. Tuto slu\u017ebu takt\u00e9\u017e m\u016f\u017eete vyu\u017e\u00edt i n\u011bkolikr\u00e1t za sebou, kdy\u017e se dostanete do plusu, m\u016f\u017eete j\u00edt zase do m\u00ednusu a op\u011bt znovu a znovu, lze ji tedy vyu\u017e\u00edvat opakovan\u011b. Co je je\u0161t\u011b d\u016fle\u017eit\u00e9? Co bychom d\u00e1le m\u011bli v\u011bd\u011bt? D\u016fle\u017eit\u00e9 je pohl\u00eddat si poplatky, kter\u00e9 s\u00a0touto slu\u017ebou mohou souviset. Jeliko\u017e se m\u016f\u017ee jednat o jak\u00fdsi druh p\u016fj\u010dky, je pot\u0159eba pohl\u00eddat si \u00farokov\u00e9 sazby ale i ostatn\u00ed poplatky. Kde si mohu tuto slu\u017ebu z\u0159\u00eddit? B\u011b\u017en\u011b ji poskytuj\u00ed bankovn\u00ed instituce a k\u00a0tomu se v\u00a0dne\u0161n\u00ed dob\u011b p\u0159idala u\u017e i \u0159ada dal\u0161\u00edch, nebankovn\u00edch spole\u010dnost\u00ed.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je to kontokorent?","item":"https:\/\/www.zerba.cz\/co-je-to-kontokorent-2\/#breadcrumbitem"}]}]